Valley Dental Associates
9199 Reisterstown Road, Suite 206B, Owings Mills, MD 21117

Dental Plan Basics: Know Your Insurance Needs

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Buying dental insurance is the best way to keep your smile healthy and beautiful for life, but it’s not enough to simply find affordable dental insurance—you should consider which plan would best fit your lifestyle and budget. Before you buy, understanding how dental insurance works and what typical plans cover is essential.

Typical Covered Services and Maximums
Even full coverage dental insurance has limitations. Here are several things to consider before buying or using your dental insurance.

  • Dental insurance rarely pays the entire cost of treatment. You may have to pay out-of-pocket expenses or a co-payment.
  • In many cases, you’ll also have a yearly deductible that you’ll have to reach before the policy covers anything.
  • Preventative care such as cleanings, sealants, x-rays, and general exams are typically covered at 80 to 100 percent. Major dental work may only be covered at 50 percent.
  • Most dental insurance plans have a yearly maximum ranging between $1000 and $2500.
  • Some treatments, such as cosmetic procedures and implants, may not be covered.

Tips to Maximize Your Affordable Dental Insurance Coverage
Here are four ways to get your money’s worth from your full coverage dental insurance plan.

  • Obtain coverage for your entire family. In the long run, you’ll save money by adding everyone.
  • Take advantage of free preventative coverage. Early detection of problems prevents expensive treatment later.
  • If you have children, be sure your policy includes orthodontic coverage.
  • Be sure that your dentist participates in your PPO dental plan.

Five Questions to Ask Before Choosing a Plan

  • What annual and biannual preventative services are covered?
  • Am I allowed to choose my own dentist?
  • Is my coverage limited to the cheapest available treatment options?
  • Can I schedule appointments at my own convenience?
  • How much will I pay for services, office visits, and procedures?

Quick Facts Every Dental Insurance Buyer Should Know

  • Not every dentist accepts insurance.
  • You can obtain a pre-treatment estimate to determine cost and check coverage.
  • If you don’t meet your yearly maximum, it doesn’t roll over to the next year.
  • Know whether your policy is considered a preferred provider organization (PPO) or health maintenance organization (HMO) plan. Different dentists accept different types of plans.

To get the dental care you deserve from an affordable dentist in Owings Mills, call Valley Dental Associates today at (443) 898-1240 or make an appointment.

Valley Dental Associates offers affordable family dentistry and gentle, compassionate dental care in Owings Mills. Our office is conveniently located with extended hours to meet your needs. At Valley Dental Associates, we provide most dental services, from basic preventative care and general dentistry to specialized procedures and complete dental reconstruction. We accept most dental insurance plans and offer affordable financial solutions for any budget. Patient satisfaction is our top priority and we strive to provide the exceptional, affordable dental care and personal touch that lead to lasting relationships. A smiling patient is our greatest reward and we look forward to keeping those smiles healthy, beautiful, and bright. Discover an affordable dentist who truly cares at Valley Dental Associates.

Read What Our Patients Say
Patient Reviews
I had my first appointment here last week, based on a recommendation. I was so pleased with the visit. The staff was friendly and professional, and I was taken back almost immediately. Dr. Gorman […]
Regina R.
Excellent service and professionalism as usual. Very satisfied.
Nicholas L.
Great experience with this office. The staff was really helpful in getting me in on a short notice. Dr. Challagulla is an excellent doctor, very attentive to patient’s needs and concerns. I usually […]
Oksana L.
Clean friendly.Dr. Gorman has been there for a long time. I trust him.
April S.
Valley Dental Associates has a great staff….they have always been friendly and accommodating to my needs. My first time there was a dental emergency, (I did have an actual first visit […]
Arlene K.
Very happy with the assistance and advice I received.
Eric W.
I have been seeing Dr. Oppenheim for years and he is the reason
James V.
Just went for a hygienist appointment. I had the best visit! No cavities and my teeth feel great. The staff is very friendly and helpful.
Joanne P.
I was very happy with my services!
Willie R.
I have been going to this particular dental office practically all my life. My kids and husband also receive dental care here. I trust them with my and my family’s teeth.
Lauren C.
Awesome! Dr. Gorman is a true professional and very detailed in his work.
Nick H.
Everyone is so great! I get so nervous to go to the dentist but they made it actually enjoyable believe it or not! Great practice!!
Melissa C.
The services are always stellar.
Kody T.
First time receiving care from that dentist. I’m impressed. . . he was awesome!
Wyona C.
I’ve been using this office since I was a young child and now I bring my own young child there with me. They are great with me and even better with my son. He loves it there. They also […]
James C.
Excellent service, from front desk to the dental chair.
Lacretia C.
The assistant cleaning my teeth was very pleasant and very knowledgeable concerning my teeth problem and how it is affected by my diabetes.
Charles C.
I really liked the atmosphere along with how knowledgeable everyone was at this dental office.
Avril B.
Dr Gorman and staff are very thorough and sincerely concerned about patient dental health.
Sonia G.
High level of competence of Dr. Gorman and staff; caring manner and professional interactions.
Leslie G.
We Accept Most Insurance Plans!
Learn More

We accept most insurance plans and will be happy to help you understand the coverage that you have. We will do our best to see that you receive your maximum insurance benefits for all covered services.

No Insurance? No Worries! See our discounts and offers here

Office Hours
  • Monday 8:30 AM - 5:30 PM
  • Tuesday 8:30 AM - 5:30 PM
  • Wednesday 8:30 AM - 5:30 PM
  • Thursday 8:30 AM - 5:30 PM
  • Friday 8:30 AM - 4:30 PM
Get in touch:
  • Phone: (443) 898-1240
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